The average driver in Idaho pays about $981 a year for full coverage — about 32% less than the US average of $1,438. That ranks Idaho #48 of 51 states (one of the cheapest). The car you drive then shifts it: a cheap-to-insure model can land near $471, a high-loss one well over $7,224.
Idaho insurance cost by coverage
Average Idaho premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in Idaho
Idaho legally requires at least 25/50/15 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage. These are legal minimums — most drivers carry more to fully protect themselves.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in Idaho
Estimated annual premium in Idaho, cheapest first — state average × each car's real HLDI loss index.
Know what a car really costs to insure and own.
- Your personalized rate — coverage, age & deductible
- Insurance in the 5-year cost-to-own
- Full coverage breakdown — cost per coverage
- Compare insurance across cars, side by side
- Export estimates to CSV / Excel
- Zero ads — clean, fast pages
- …and much more
Most expensive cars to insure in Idaho
The priciest cars to insure in Idaho — powerful, theft-prone and costly to repair.
Idaho insurance cost by year
Idaho premiums are up about +15% since 2019. Average Idaho premium by year:
| Year | Idaho avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in Idaho's largest cities
Rates vary within Idaho by city and ZIP — dense metros like Boise run above the state average, while smaller towns run below. Estimated typical premium in Idaho's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Boise | $1,079/yr | +10% urban |
| Meridian | $1,050/yr | +7% urban |
| Nampa | $1,030/yr | +5% urban |
| Idaho Falls | $1,020/yr | +4% urban |
| Caldwell | $1,001/yr | +2% urban |
| Pocatello | $991/yr | ≈ state avg |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.